Who is liable for the damages and repairs to my vehicle?
Assuming that you are not at fault for the accident, then the at-fault party’s insurance carrier is the one who pays for the damages and repairs to your vehicle so long as there is sufficient insurance coverage. The at-fault party’s insurance carrier may provide you with the option to have the repairs performed at a body shop of your choice and it will either pay the shop directly or give you a check based on the estimated amount of damage or require that the repairs be made at a specific shop. In any event, it is important to know that once you have accepted payment for the estimated damages, any additional costs that arise will be your own responsibility. Thus, be sure to get a few different estimates to ensure that are fully aware of the damages and repairs required. In the event your vehicle is declared a total loss, the insurance carrier is required to pay you the fair market value for your vehicle at the time of loss.
Assuming that you are not at fault for the accident, then the at-fault party’s insurance carrier is the one who pays for the damages and repairs to your vehicle so long as there is sufficient insurance coverage. The at-fault party’s insurance carrier may provide you with the option to have the repairs performed at a body shop of your choice and it will either pay the shop directly or give you a check based on the estimated amount of damage or require that the repairs be made at a specific shop. In any event, it is important to know that once you have accepted payment for the estimated damages, any additional costs that arise will be your own responsibility. Thus, be sure to get a few different estimates to ensure that are fully aware of the damages and repairs required. In the event your vehicle is declared a total loss, the insurance carrier is required to pay you the fair market value for your vehicle at the time of loss. If the at-fault party does not have adequate insurance coverag
